Hi, I work for a leading underfloor heating company and there are arguments for and against both sides of the story...
In terms of heat output then if you have pipework just clipped to the insulation with an airgap then what you'll effectively do is heat that air gap... no where near as much heat will be transferred through the floor finish. However, if you seal the ends of the joists so there is no air change then this will drastically increase performance. Many of the larger UFH companies are now installing like this, such as warmafloor and uponor. This is mainly to cut cost in an increasingly competitive market. The UHMA (underfloor heating manufacturers association) have not yet released heat output expectations on this method, but with a F/R of 55/45°c, a floor surface limit of 29°c and a target air temperature of 21°c, you're looking at approximately 50w/m².
On the otherhand, if you use screed then you can drastically increase performance. the UHMA have tested and prove a solid floor system should easily give you up to 100w/m² based on the above criteria. HOWEVER - there is the extra cost, and the question wether or not your joists/ceilings will take it. If you can use a screed then i would strongly recommend doing so.
The other system that a lot of manufacturers do is a plated system, where the pipe sits in an aluminium tray between the joists, on top of compacted soft "loft" insulation. This should give you approximately 70w/m², though i suspect if your pipe is already down then this is not really an option!
What spacing is your pipe at? I'm guessing 200mm centres between 400mm joists?
If you have any questions then give me a shout
good luck!